Lunar vs Relay
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Lunar and Relay are credible business banking tools, and the right pick comes down to your priorities.
Lunar — Digital bank for the Nordics.
Choose Relay if you'd rather have a higher overall rating (4.5/5). Business banking for small business.
Lunar vs Relay: side by side
| Dimension | Lunar | Relay |
|---|---|---|
| Starting price | Free | Free – $30/mo |
| Free plan | Yes | Yes |
| Pricing model | Freemium | Freemium |
| Best for | Smb, Startups | Small Business |
| Platforms | Ios, Android, Web | Web, Ios, Android |
| Rating | 4.1/5 | 4.5/5Winner |
Lunar key facts
- Vendor
- Lunar Bank
- Pricing
- Freemium — Free
- Free tier
- Yes
- Platforms
- Ios, Android, Web
- Best for
- Smb, Startups
- Editor rating
- 4.1 / 5
- Founded
- 2015
- Headquarters
- Aarhus, Denmark
Relay key facts
- Vendor
- Relay
- Pricing
- Freemium — Free – $30/mo
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Small Business
- Editor rating
- 4.5 / 5
- Founded
- 2018
- Headquarters
- Toronto, Canada
Frequently asked questions
Is Lunar better than Relay?
Neither is universally better — Relay edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Lunar or Relay cheaper?
Lunar is the more affordable of the two to get started, at free. Lunar starts at free; Relay starts at free – $30/mo.
Can Lunar replace Relay?
Yes for most teams — both are business banking tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.